Twelve years ago, I put a deposit down on an expensive ski trip with a friend. I was excited to go!

But when I had to pay the rest of the money, I didn't have it. I cancelled the trip and we lost the deposit.

I felt so ashamed of my lack of ability to plan ahead and manage my money that I promised to do whatever it took to change my spending habits, increase my earning ability and learn money skills.

And I did exactly that over the next few years.

Today, I own 2 profitable businesses. I know what’s in every account, including my two business accounts, where every dollar goes, and what I plan to spend. I track and grow my net worth, and I’m free of unsecured debt.

And most importantly, I have peace of mind around money. (which has nothing to do with how much you have)

I know multimillionaires that have anxiety about money every day, and I know people who have a middle-class income and have total peace of mind.

Clarity Equals Wealth

Being vague is how you stay poor.

When your finances are cloudy, you don’t know what’s coming in, what’s already committed, or what you can actually afford. It’s easy to stay stuck, even as your income grows.

Clarity means knowing your numbers. Bank account balances. Credit card payment due dates. Investment accounts. Interest rates.

Clarity gives you back the power.

Build a simple system you’ll actually use.

I use zero-based budgeting through an app called YNAB. That means assigning a category to every dollar till you’re left with zero.

Here’s my 5- minute morning coffee routine in 3 steps:

1. Open YNAB, review the transactions automatically imported from my connected bank accounts, and categorize anything that needs it.

2. Compare that spending against my monthly plan so I can see exactly how much I have left

3. Check my net worth (investment accounts totals), then finish my coffee and go on with my day with peace of mind.

Profit First also helped me understand how to manage my business finances. It’s the system I still use for business.

For years, I thought making more money would solve everything.

Turns out, it’s not about how much money you make. It’s about how you manage it.

You can make a million dollars each year AND spend a million dollars each year and still be broke.

Or you can have total clarity, plan ahead and have peace of mind. Your choice.

Hope you enjoyed this.

Talk soon,

Noemi